Research On Development Strategy Of JX Bank Personal Finance Business Under The Background Of Internet Finance

Commercial banks are the main providers of personal finance.With the development of the times,their financial management contents should also keep pace with the times.In particular,the rapid development of Internet finance in recent years has formed a relatively large scale.The impact is huge."Openness,equality,collaboration,and sharing" is the spirit of the Internet.This spirit can quickly penetrate people's hearts and win customers.At the same time,Internet wealth management products have many advantages that traditional bank personal wealth management products do not have,including a low investment starting point,strong profitability,ease of use,and comprehensive services,which makes it quickly occupy the market.Then the mechanism of Internet finance,the impact of current banks,and the future development,these must be considered,which relates to how commercial banks' personal finances develop in this environment and face potential opportunities and challenges..This paper takes JX Bank as the research object and adopts the SWOT analysis method to analyze and sort out the current status of JX Bank under the current network finance background.Starting from the traditional commercial bank internet finance development model,we analyzed the development model of internet finance that Jiangxi Bank can adopt,analyzed the internal and external environment of Jiangxi Bank,analyzed the advantages and disadvantages,and explored Jiangxi Bank's strategic positioning for the development of Internet finance.Safety precautions.Found that the development of the Internet has diverted a large number of commercial bank customers and deposits,especially long-tailed customers,so that more customers' financial concepts have changed.At the same time,the powerful technology platform of Internet finance has made the payment intermediary function of banks more and more important.The less weight you have,the more intense the competition among banks.Therefore,JX Bank should be based on these strategic design,should be the original neglect of the so-called low net worth of small and medium-sized customer groups,open up new markets,expand the horizon,innovative ways can also reduce the operating costs of the bank,and actively absorb The advantages of Internet finance,combined with its own characteristics,seize opportunities,attach importance to emerging markets,strengthen technical support,attach importance to platform construction of online channels,strengthen product innovation,change service concepts,improve risk management,and strengthen risk control,so as to achieve JX Bank personal finance Better business development...